May 27, 2012

100 Ways to Save More Money

There are no end of ways to spend money, and surprisingly, a lot of ways to save it too. The following is a list of some of these ways, but bear in mind, the merits austerity have their limits as well, so use these tips wisely.

Save Money5

  1. Cook at home
  2. Take your lunch to work
  3. Don’t grocery shop on an empty stomach 
  4. Don’t grocery shop in a hurry
  5. Don’t grocery shop without a list
  6. Buy products with long expiration dates
  7. Buy in bulk
  8. Buy generic where possible
  9. Use grocery bags to line garbage cans
  10. Consolidate debt

 

Save Money3

  1. Pay off credit balances
  2. Pay bills on time to avoid late fees
  3. Avoid overdraft fees
  4. Avoid ATM fees
  5. Avoid credit cards with annual fees
  6. Rely on your cell and disconnect your land line
  7. Go to the library instead of the book store
  8. Buy used books where possible
  9. Comparison shop, especially on bigger ticket items
  10. Plan your purchase; avoid impulse buys
  1. Bottle your own water
  2. Maintain your car and hold on to it
  3. Buy a pre-owned car if possible
  4. Ride your bike, walk or take mass transit
  5. Go to matinees
  6. Eat before you go to the movies
  7. Be mindful of electricity; unplug unused appliances
  8. Plan travel in advance
  9. Quit smoking
  10. Take a roommate

Save Money

  1. Get rid of stuff in a garage sale (and avoid storage costs)
  2. Plan some meals without meat, if possible
  3. Negotiate on price, where possible
  4. Raise insurance deductibles, if sensible
  5. Look at refinancing to lower interest rates on house
  6. Wash your own car
  7. Use coupons
  8. Buy store brands
  9. Make your own baby food
  10. Store and eat leftovers
  1. Avoid prepared foods
  2. Get an energy audit
  3. Replace inefficient light bulbs
  4. Lower the heat/air condition
  5. Lower the temperature on the water heater
  6. Dry clothes on the line
  7. Monitor water usage
  8. Downgrade/eliminate cable
  9. Comparison shop on cell phone
  10. Buy a fuel-efficient car

Save Money4

  1. Drive slower
  2. Eliminate jack-rabbit starts
  3. Close the windows at high speeds
  4. Carpool
  5. Consolidate errands
  6. Check air and alignment on tires
  7. Comparison shop for gasoline
  8. Buy second hand
  9. Barter
  10. Use overdraft protection
  1. Use a cash-back credit card
  2. Eliminate cards with fees
  3. Split dinners when eating out
  4. Go to buffets
  5. Drink water when eating out
  6. Take home leftovers from restaurants
  7. Buy on sale
  8. Consolidate homeowners and auto insurance
  9. Maintain good credit rating
  10. Refurbish instead of replacing furniture

Save Money2

  1. Take care of minor repairs on your own
  2. Clean your own house, mow your own lawn
  3. Shop online for bargains
  4. Shop at outlets
  5. Reduce gift giving
  6. Make your own gifts
  7. Give the gift of your time
  8. Consider at-home entertainment options
  9. Bring snacks to ballpark and movies
  10. Check memberships for savings
  1. Compare low-cost carriers for airline travel
  2. Include a Saturday stay-over on flights
  3. Compare car rentals
  4. Consult auto guides for low cost-of-ownership options
  5. Avoid auto leases
  6. Compare auto insurance rates
  7. Fee-free checking accounts
  8. Make sure account is protected by FDIC
  9. Shop for the shortest term loan you can afford
  10. Consider refinancing

Save Money6

  1. Make sure houses are inspected prior to purchase
  2. Make sure work is done before payment made
  3. Use electricity in off-peak hours
  4. Review phone bills
  5. Call in off-peak hours
  6. Dial long distance numbers directly
  7. Avoid convenience stores
  8. Buy generic medications, when possible
  9. Consider mail-order pharmacy to get bulk prices
  10. Know phone charges before you make the calls